Key responsibilities
Lead the development of PayJoy’s internal financial products to support global expansion: including Cash Reconciliation, Merchant Settlement Processing, Bank Transaction Matching, and Loan Reconciliation
Build and maintain a roadmap for PayJoy’s Financial Infrastructure, continuously prioritizing improvements that reduce manual intervention and increase automation across all markets
Own the product vision for reaching and sustaining automated identification of cash flows across all operating countries
Act as the primary product liaison between Engineering, Operations, Finance, Accounting, and local country teams — ensuring all parties are aligned on priorities, timelines, and trade-offs
Run structured prioritization sessions with stakeholders, balancing urgent operational requests against longer-term automation investments
Identify patterns in recurring manual work requests and drive root-cause fixes rather than one-off patches, translating PayJoy’s operational pain points into well-scoped engineering solutions and long-term product improvements
Communicate product decisions, scope changes, and release timelines clearly and proactively to non-technical stakeholders
Manage product launches working closely with engineers, FinOps, and technical staff — creating plans and tracking release milestones against clear acceptance criteria
Assess the quality of releases through monitoring of incoming issues; identify quality trends and drive resolutions before they surface within teams
Drive measurable reduction in manual reconciliation tasks handled by the FinOps team, tracking automation rate as a core product metric
Prioritize features that catch upstream failures proactively — data freshness monitoring, mapping completeness alerts, and incident escalation paths
Product Strategy & Roadmap
Stakeholder Management
Execution & Delivery
Qualifications
Bachelor’s degree in Business, Finance, or a related field. MBA or equivalent advanced degree is a plus.
5+ years of experience as a software Product Manager.
3+ years of experience launching or implementing internal Financial software (reconciliation, settlement, accounting, or treasury systems).
Fluent with data: facility with writing SQL and reviewing data models and pipeline outputs.
Strong analytical, problem-solving, and decision-making skills.
Track record of leading cross-functional teams.
Excellent communication and interpersonal abilities, with a knack for collaborating with diverse teams including non-technical finance and operations staff.
Fluent in English and Spanish, both written and spoken.
Benefits
Life insurance.
Phone finance, Headphone, home office equipment and wellness perks.
30 days of Christmas bonus.
20 days paid Vacation.
50% Vacation premium.
13% Saving funds.
$2,000 MXN monthly grocery coupons.
$2,000 USD annual Co-working Travel perk.
$2,000 USD annual Professional Development perk.
Skills Required
- Bachelor's degree in Business, Finance, or related field
- 5+ years of experience as a software Product Manager
- 3+ years launching or implementing internal Financial software (reconciliation, settlement, accounting, or treasury systems)
- Facility with writing SQL and reviewing data models and pipeline outputs
- Strong analytical, problem-solving, and decision-making skills
- Track record of leading cross-functional teams
- Excellent communication and interpersonal abilities, able to collaborate with non-technical finance and operations staff
- Fluent in English and Spanish, both written and spoken
- MBA or equivalent advanced degree
PayJoy Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about PayJoy and has not been reviewed or approved by PayJoy.
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Fair & Transparent Compensation — Pay is considered market‑aligned for senior U.S. technical roles, and public salary bands help candidates benchmark and align expectations. Feedback suggests this transparency supports confidence that offers are competitive for role and location.
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Healthcare Strength — Company‑paid basic medical, dental, vision, life, and disability coverage is emphasized as a standout element versus many startups. Feedback suggests this reduces out‑of‑pocket burden and strengthens the core benefits foundation.
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Parental & Family Support — Paid parental leave and flexible hours are highlighted alongside dedicated time off. Feedback suggests these family‑oriented policies enhance the perceived completeness of the package.
PayJoy Insights
What We Do
PayJoy's mission is to deliver access to credit to the next billion people in emerging markets worldwide. Our unique mobile security technology gives customers the ability to afford their first smartphone on credit, using the phone itself as collateral, and then provides further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being. Founded in 2015, today PayJoy has reached millions of customers in a dozen countries around the globe, including Mexico, Brazil, Colombia, India, Kenya, and South Africa, and is on a strong growth path with support from major industry partners to bring credit to the next billion emerging consumers.
